Ohio Self-Employed health insurance plans are very affordable and are offered by all of the major health insurance companies. Starting your own business doesn't mean that you have to take the risk of being uninsured. Self-Employed Ohioans have many affordable options to consider when purchasing their own health insurance. And Ohio features some of the lowest health care costs in the US.

One of the most popular plans is a Health Savings Account (HSA). HSAs are designed to help individuals and families save for future qualified medical and retiree health expenses on a tax-free basis. Plans are available from most Ohio health insurers, such as Anthem Blue Cross, Aetna, Medical Mutual, UnitedHealthOne and Aetna. Premiums are usually quite lower than Cobra health insurance rates.

To open an HSA, you must have a qualified “High Deductible Health Plan” (HDHP), which is a type of medical plan that has a higher deductible than a typical health insurance policy. The HSA itself is a savings account that allows you to contribute funds on a tax-preferred basis. Qualified deductible expenses can also include dental and vision costs. Medical Mutual and Anthem HSA rates are usually the most competitive.

Reducing the cost of Ohio self-employed health insurance can be accomplished in many ways. Increasing your major medical deductible can reduce premiums by 30% or more. With many policies, office visits and prescriptions are not subject to a deductible, and therefore, would not be affected.

Comparing several policies is always advisable. Every Ohio health insurance company bases their self-employed rates on various factors, including smoking status, health, and the county where you live. You should be able to obtain more affordable health coverage by considering many plans.

Health insurance for the self-employed can be molded and shaped to meet specific needs. Each situation is different, and our job is to research, evaluate and recommend the most suitable plan. Please call or email us and we'll help you choose your best option.

HSA Frequently Asked Questions

Ohio HSA Plans